Abstract:
This research reflects bank performance through profitability ratio indicator return on asset (ROA). Non-performing loan、 interest rate、bank size、 interest rate and deposit equity ratio are the factors affecting return on asset (ROA), which also reflect the impact on the performance of commercial Banks. At the same time, SPSS21.0 was used for bank financial data analysis. In order to reflect the influence of four factors on return on asset (ROA), the author made complementarity analysis, descriptive statistical analysis, variable trend analysis, correlation analysis and regression analysis. China should reduce the concentration of Banks in the future reform, encourage the development of small and medium-sized Banks, and increase competition. With the reduction of the concentration of the overall development of the banking industry, the performance level of the banking industry will be greatly improved. At present, the impact of the deposit equity ratio on commercial Banks is mainly caused by the cost of internal capital flow, bank risk control and excessive dependence on non-interest income. Deposit interest rate has a significant positive impact on bank performance, and the rise of interest rate will improve bank performance. Appropriately raising deposit interest rate will have a positive effect on bank performance. While the non-performing loan rate has no significant linear impact on bank performance, indicating that the non-performing loan rate is low in China at this stage, and the impact of non-performing loan rate on bank performance is weak.
